How To Buy A House Without Money Down 〈2026〉

For those who don't qualify for VA or USDA loans, over 2,600 DPA programs exist across the U.S. as of late 2025. These programs, often managed by state or local housing agencies, provide: Grants : "Free money" that does not need to be repaid.

: Available to veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing and do not require private mortgage insurance (PMI), which can save hundreds monthly. how to buy a house without money down

: Second mortgages that are forgiven if you live in the home for a set number of years. For those who don't qualify for VA or

If loan programs alone aren't enough, buyers often use these additional methods: active-duty service members

: Loans that only require repayment when you sell or refinance the home.